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Bankruptcy

Are you drowning in credit card debt and cannot get ahead?

Are you afraid of losing your car or your home? You are not alone.

Scales Law Group can guide you with every step of

Chapter 7 Bankruptcy.

Who Qualifies For Bankruptcy?

There are a few requirements you will need to meet to file for a Chapter 7 bankruptcy:

  • You must complete an individual or group credit counseling course from an approved credit agency within 180 days of filing.

  • Either the average of your monthly income during the previous six months must be less than the median income for the same-sized household in your state or you must pass a means test, which determines if your disposable income is high enough to make partial payments to unsecured creditors.

  • You cannot have filed for a Chapter 7 bankruptcy protection during the past eight years.

  • You cannot have filed for a Chapter 13 bankruptcy protection during the past six years.

  • If you tried to file a Chapter 7 or 13 bankruptcy and your case was dismissed, you have to wait at least 181 days before filing again.

  • You may be eligible to file, but a court could dismiss your case if it determines you are trying to defraud your creditors. For example, your case may be dismissed if you take out a loan or use credit cards within ninety days of filing your Petition with the intent of then declaring bankruptcy to avoid repaying the debt. 

If you are overwhelmed with debt and considering filing for bankruptcy, choosing the right attorney will be key to your success. Although it is possible to file for bankruptcy on your own without hiring an attorney, it is not advisable to do so due to the complexity of the law and required documentation.

The judicial system advises, “filing personal bankruptcy under Chapter 7  takes careful preparation and understanding of legal issues. Misunderstandings of the law or making mistakes in the process can affect your rights. Court employees and bankruptcy judges are prohibited by law from offering legal advice.”

Let’s Work Together

Contact Scales Law Group today for a free confidential consultation to see if bankruptcy is right for you.